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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me


 As a mortgage professional with over 20 years of experience and a degree in Accounting from Penn State, I am available to provide knowledgeable information for all of your home financing needs. It would be a privilege to help you identify the financing solution that best meets your specific needs. 

I will provide exceptional service with a personal touch from first-time homebuyers to sophisticated jumbo borrowers or investors. I will guide you through the mortgage process step by step to ensure you understand the options available. I will follow through to your settlement and beyond. I take pride in being available for you long after your loan closing, and I'm always glad to help. If you are thinking about purchasing a home, investing in a multi-family property, or simply refinancing your current home, please give me a call. Thank you again for the opportunity to work with you. 

Leave a Zillow review! https://www.zillow.com/lender-profile/Rob%20Frey/

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.94 out of 5.0 stars
5.0
4.0
4.98
5.0
Justine
Oct 14, 2025
Lancaster, PA
Verified

Rob and Jen are an amazing team! Guild has fantastic programs and Rob knows how to match the right one with a buyer. Their communication is too notch and they are always ahead of what comes (or might come) next. True professionals who are adept at their craft!
Chris S
Oct 15, 2025
Verified

We had an absolutely wonderful experience with Rob and the Guild team! They were patient with us when things took us longer than expected and were expeditious when time mattered. They were able to speak to us like humans and didn't make us feel dumb even though we were so new to the home-buying process and rather clueless! They were easy to get ahold of, by email/ text/ phone. Rob and his team took their time making sure that we understood the process and didn’t’ feel overwhelmed. They ensured getting us the best rate and felt comfortable the whole time. We are beyond grateful for them and would recommend them again and again. Thank you!
Mackenzie
Oct 04, 2025
Mechanicsburg, PA
Verified

Rob was on the ball with any communication or questions presented by myself or my clients. Transaction was smooth!
Michael W
Oct 07, 2025
Verified

Rob Frey is beyond awesome!!!!
Michael
Oct 03, 2025
Enola, PA
Verified

Communication was unbeatable!!!!
Lou
Oct 03, 2025
Enola, PA
Verified

Smooth process

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #147464
I am authorized to do business in the state of Pennsylvania.